Chex system and chase

Anonymous · ‎07-27-2016

I once had a situation with chase that was not my fault and I have not banked with them since. About 2 years ago someone hacked in my account and wired money from my account to a wells fargo account. We were able to retrive and email address but whatever a**hole did it, did not get caught. Chase returned my money which I was grateful for but than the compliance company made the decision to end their relationship with me because of that. It was upsetting at first but I just changed my bank to BOA which was the worst mistake and than left BOA and went to a credit union in NYC called MCU which I LOVE LOVE LOVE.

A few months ago I tried to open an account with chase but couldnt because of the previous situation but I dont know if that will prevent me from opening a credit card. One of my dream cards is the CSP which I hope to get around January after I buy my first apartment. I was talking to a friend that said that chase base there approvals from the chex system and if I check that, I will be able to see If i am blacklisted from Chase etc etc but If I have no issues with other banks it shouldn't be a problem to be approved.

I have no idea how this blacklist stuff works. I tried calling chase customer service and they couldnt help me, I tried going to the bank but its hard for me because of the time they close and when I go it is super crowded. I wanted to know if anyone had a number that I can call chase and ask about being blacklisted and also what does a chex system have to do with chase and is it ever really important for anything in life?

Anonymous · ‎07-27-2016

ChexSystems is the equivalent of EQ/EX/TU for checking accounts. Banks report negative experiences and they stay on the record for about five years. Many banks check the record when you attempt to open an account with them (although many smaller ones do not). You can request your ChexSystems report once a year

https://www.chexsystems.com/web/chexsystems/consumerdebit/otherpage/FACTAFreeReport/!ut/p/z1/04_Sj9C...

Anonymous · ‎07-27-2016

@Anonymous wrote:
ChexSystems is the equivalent of EQ/EX/TU for checking accounts. Banks report negative experiences and they stay on the record for about five years. Many banks check the record when you attempt to open an account with them (although many smaller ones do not). You can request your ChexSystems report once a year

https://www.chexsystems.com/web/chexsystems/consumerdebit/otherpage/FACTAFreeReport/!ut/p/z1/04_Sj9CPykssy0xPLMnMz0vMAfIjo8zizQIsPN2NLAx8DDyc3AwcXYPMnM28_YwMjA30w8EKDBxdHA1Ngg18_J3dzYEKXCycHf2cjAwMDPSjSNLvHuAPUuDrZxEc6gPUb06cfjwKQPoNcABHkP4oiBI8PkBVgMWJhCwpyA0NjTDI9AQABBYalw!!/dz/d5/L2dBISEvZ0FBIS9nQSEh/

Thanks, I requested it

noobody · ‎07-28-2016

Since op officially did nothing wrong with his checking account, likely there is nothing negative on his chex report.
He may just Blacklist by chase for internal reason.
I have no idea how it will affect applying a chase credit card tho.

EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841

Anonymous · ‎07-28-2016

@noobody wrote:
Since op officially did nothing wrong with his checking account, likely there is nothing negative on his chex report.
He may just Blacklist by chase for internal reason.
I have no idea how it will affect applying a chase credit card tho.

As Chase decided to end the banking relationship, they may well have decided that op did something wrong (even though they returned the money). So certainly worth checking the chex report and disputing if there is anything there